Market Downturns Can Change Retirement Outcomes & Sequence of Returns Risks | Income Buckets are Key & Long-Term Planning and Retirement Flexibility

On this week’s episode: A market downturn at the wrong time can change retirement outcomes in ways many people don’t expect. In this episode, Michael Masor discusses sequence‑of‑returns risk and why shifting from accumulation to preservation matters as retirement approaches. The conversation covers how often to review your portfolio, why diversification and income “buckets” are critical, and the hidden risks of chasing returns. Michael also explains how taxes, RMDs, and Medicare surcharges can impact long‑term planning—and why delaying decisions can limit flexibility. It’s a practical look at turning uncertainty into a more structured, intentional retirement strategy. Head down your Clear Path to Retirement with Michael today!See omnystudio.com/listener for privacy information.